Why I'm Still Investing in VTI Right Now No Matter What the Stock Market Does

Investors often perceive the stock market as being so successful that it may seem suspicious, with the S&P 500 index delivering impressive gains over the years. However, this perception overlooks the value of long-term investing. For instance, a $200 monthly investment in an S&P 500 ETF over 40 years could yield over $1 million, even with the inclusion of significant economic downturns.

The S&P 500 has an impressive average return of 10%, but the broader U.S. market, as represented by the Vanguard Morningstar Total Stock Market ETF (VTI), has provided even more robust returns. VTI includes a vast array of stocks, from large-cap companies to mid- and small-cap firms, and boasts a lower expense ratio than S&P 500 ETFs.

The fund's resilience over time, spanning 98 years, underscores its reliability for long-term investors. Despite occasional downturns, the long-term outlook for the stock market remains optimistic, making VTI a compelling choice for those seeking to invest with confidence and potential for substantial growth.